Designing a sustainable digital bank: Learning from the digital pioneers

The unprecedented change wrought by nearly ubiquitous broadband Internet access has created a new kind of customer: knowledgeable, sophisticated, demanding. And in few vertical industries is this more apparent than financial services, where a new breed of customer is demanding a new breed of service - anywhere, anytime, on any device.

Read Designing a sustainable digital bank: Learning from the digital pioneers, a whitepaper by IBM, to discover the secrets of successful digital financial institutions worldwide. The paper discusses the strategies of pioneers of four different models of digital financial institution: the digital bank brand, which looks to provide digital services without alienating brick-and-mortar customers; the digital bank channel, wherein the drive for customer experience leads to mobile and online apps and the resale of bank products; digital bank subsidiaries, which feature a true end-to-end business model; and digital native banks built from the ground up on a core digital value proposition.

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